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Credit card comparison

Our credit card comparison table helps you choose the most appropriate Australian credit card for your needs. Compare credit cards by looking at features like interest free days, annual card fees, interest rates, and rewards or frequent flyer programs.

Purchases standard variable rate
Cash advances (variable rate)
Balance transfers (special promotion for a limited time)
Annual card fee (fee may change)
Interest free days on purchases
Card can be linked to Westpac transaction account
Complimentary overseas travel insurance
Complimentary transit accident insurance cover
Complimentary purchase security insurance
Complimentary extended warranty insurance
Access to Priority Service Line
Free Qantas Frequent Flyer membership on new accounts for a limited time
Points earned per dollar spent on eligible purchases
Points earned per dollar spent on selected Qantas products and services
Points cap - for each statement cycle when using your cards. Bonus points do not count towards the points cap.
Things you should know

Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB)

Westpac Credit Cards Complimentary Insurance Policy For claim events prior to 1 June 2015 (PDF 278KB)

Visit the product page for each credit card to check the terms and conditions, including any rewards terms and conditions (if relevant) that apply.

Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades, customers accessing employee benefits or existing packaged cards are ineligible.

Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac credit card (excluding Altitude Platinum and Altitude Black) between 21st April 2017 and 28th June 2017 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for 12 months, unless the amount is paid off earlier. The variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. The variable purchase rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers.

^$0 annual card fee in first year for existing Westpac customers promotion: The first year annual card fee waiver is available to existing Westpac customers who apply for a new Low Rate or Altitude credit card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au between 21st April 2017 and 28th June 2017. The first annual card fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter.

*55 Day no annual card fee promotion: $0 annual card fee in the first year and $0 annual card fee in subsequent years promotion is available when you apply for a new 55 Day or 55 Day Platinum credit card between 21st April 2017 and 28th June 2017 and and spend $5,000 or more on a 55 Day credit card or $10,000 or more on a 55 Day Platinum credit card on purchases in each 12 months from the anniversary date of the first transaction on your account.

Bonus points promotion: The respective bonus points promotions are available when you apply for a new Altitude Black or Altitude Platinum card between 21st April 2017 and 28th June 2017 spend the minimum amount of $5,000 on eligible purchases on an Altitude Black card or $3,000 on eligible purchases on an Altitude Platinum card within 90 days from card approval in one or more transactions.

Eligible purchases do not include BPAY transaction, fees, cash, cash equivalent transactions, refunds and balance transfers debited from the card account.

Existing Westpac customers who currently hold an Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. The bonus Altitude Points or Qantas Points will be credited to your points balance within 12 weeks after the eligible spend criteria is met.

Purchase rate promotion: The introductory rate of 0% p.a. on purchases for 6 months applies from card approval when you apply for a new Westpac credit card (excluding Altitude Platinum and Altitude Black) between 21st April 2017 and 28th June 2017. After 6 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.

Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Westpac Credit Cards Complimentary Insurance Policy, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 1300 130 961.

American Express® is a registered trademark of American Express. The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.